Question 1
Severe crash involving two vehicles at a stop light intersection on a multi-lane road. Debris is covering the road and several other cars are stopped because of the crash. The driver’s door of both vehicles are open and one vehicle has a person standing looking in the doorway. Both vehicles have severe damage to the front end rendering them unable to be driven.
A. Based on the picture, what is the difference in how PIP and PDL insurance coverage works if you were at fault? What if you were not at fault?
B. Does PDL insurance cover repairs to your car if you were at fault in the crash?
If so, explain.
If not, what insurance would you need to cover the damage to your car?
Question 2
A. Other than not using the phone while driving, what should the driver in the video have done differently to avoid this risky driving behavior?
B. Is this behavior a primary or secondary offense, and explain why?
Question 3
Low angle photo taken on two-lane road. A gray SUV is pulled over to the right shoulder. A police patrol car is pulled over to the shoulder behind the SUV with lights flashing. An officer is walking from the patrol car toward the SUV on the driver's side approximately 20 feet away.
A. Identify concerns the officer may have for his safety when approaching the vehicle.
B. When interacting with the officer, what should the driver do to help ensure the stop goes smoothly?
Question 4
photo at an intersection showing two crashed vehicles from a head on collision and vehicle debri littering the area. Gray vehicle on the left facing the camera has a smashed front end up to the windshield with the bumper detached and laying on the roadway. The other vehicle to the right is facing away from the camera on the sidewalk with the rear end up to a traffic signal pole with the driver door opened showing the airbag deployed. Beyond that vehicle in an ambulance with lights flashing parked with the rear doors closed, backed up to the vehicle.
A. If you were at fault as the driver in this picture and your passengers were taken to the hospital with serious injuries, would the minimum insurance coverage required by Florida law be sufficient to cover all of your financial responsibility in this crash? Explain why or why not.
B. Please share the details of the insurance conversation you were asked to have with your parents/guardians.
Question 5
Choose the one question that applies to you:
A. If you do not have your learner's license:
After completing the 10.3 final exam, what other Florida state exam is necessary to pass before obtaining the license and what is the process?
B. If you do have your license:
How can you continue your driving improvement?
Question 1
A. PIP (Personal Injury Protection) insurance coverage typically covers medical expenses and lost wages for the driver and passengers in your vehicle, regardless of who is at fault in the accident. PDL (Property Damage Liability) insurance coverage, on the other hand, covers damages caused to the other vehicle in case you are at fault. If you were not at fault, the other driver's insurance would cover your medical expenses and damages to your vehicle.
B. PDL insurance does not cover repairs to your car if you were at fault in the crash. You would need collision coverage to cover the damage to your car in this situation.
Question 2
A. The driver in the video should have maintained a safe following distance, paid attention to the road ahead, and followed traffic rules to avoid the risky driving behavior seen in the video.
B. This behavior is a primary offense because it is inherently dangerous and illegal. A police officer can pull over a driver for this behavior without needing any other reason.
Question 3
A. The officer may have concerns for his safety when approaching the vehicle due to potential risks such as the driver being hostile, having a weapon, or being under the influence of drugs or alcohol.
B. When interacting with the officer, the driver should keep their hands visible on the steering wheel, follow the officer's instructions, and be cooperative and respectful to help ensure the stop goes smoothly.
Question 4
A. If you were at fault in this crash and your passengers were taken to the hospital with serious injuries, the minimum insurance coverage required by Florida law may not be sufficient to cover all of your financial responsibility. This is because the minimum coverage may not fully cover the medical expenses and damages incurred in such a serious crash.
B. The insurance conversation you would need to have with your parents/guardians would involve discussing the importance of having adequate insurance coverage, such as increasing liability limits and adding optional coverages like uninsured/underinsured motorist coverage, to protect against potential financial liabilities in case of an accident.
Question 5
A. If you do not have your learner's license, after completing the 10.3 final exam, the next step would be to pass the written knowledge test at the DMV to obtain your learner's license. You would need to schedule an appointment, pay the required fees, and pass the knowledge test covering traffic laws, road signs, and safe driving practices.
B. If you do have your license, you can continue your driving improvement by taking defensive driving courses, practicing new skills in different driving environments, and staying informed about any updates or changes in traffic laws and regulations. This can help you become a safer and more experienced driver over time.